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Home » Reader question » Thailand question: Looking for help in the mess of Thailand's social system?
Dear readers,
Unfortunately, my life companion (52) has been diagnosed with Alzheimer's. Forgot too much in her work and is now without income, but now has to pay her mortgage and health insurance herself. I have already arranged the latter.
Am 77 myself and have had many good years with her and want to support her as long as possible. Fortunately, she responds well to the slowing drugs.
Is there anyone familiar with the possibilities regarding the mortgage, do we have an appointment with her bank next week? Is there a shelter network for the loss of her income, from the family virtually no support?
I've heard something about a “State Welfare Card”, but it doesn't get me very far. Or is there no further shelter and/or support here.
Does anyone have any idea which Thai authorities we should approach?
Thanks a lot
Regards,
Hans
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Hans,
You are in a bad situation.
With regard to the financial side, I advise you to ask for more information at the Social Welfare department of your municipality or oboto. If you live near a major state hospital, the hospital social worker may be able to help.
Keep in mind that with a State Welfare Card you will not get out of financial worries.
With regard to Alzheimer's, you could inquire through the Department of Mental Health of the Ministry of Public Health where the best treatment can be found.
Hope this is of some use to you. Stay strong.
Vincent,
thanks for the response,
the medical part is already under the control of the neurologist of the Vachira here in Phujet
was already in contact with the Alzheimer's Foundation in the Netherlands and discovered that the same medications are being used here
a comforting thought
Will at least try to see if they have a “social worker” at the next check
Hans
Dear Hans, a very sad situation and that while you yourself are old and no support from her family. I'm so glad you decided to help her. Remember the good years you had together. Early dementia has a nasty prognosis. Don't just take care of her, take care of yourself too. Good luck.
Now that you have arranged her health insurance, her medication is guaranteed and fortunately she responds well to it. Have you spoken to her doctor about further guidance/treatment? See: https://www.alzheimer-nederland.nl/ to get ideas and alternatives.
You don't say where you live. Don't go looking alone. You will end up in a maze. You don't know the social map of Thailand, neither its possibilities nor any costs. But here in Chiangmai bv there is a geriatric clinic. It seems to me that such institutions can be found in every major place in Thailand. Plus, every major state hospital actually has a psycho-geriatric department. Are you familiar with that? Try to make contact with such an institution and use it as a central point of contact. Also think with them about possible home care in due course.
There are banks that also insure the consequences of unemployment and/or incapacity for work when taking out a mortgage. Check carefully and thoroughly after such a clause/insurance has not been included in the mortgage deed. brought. If this is not the case and if your girlfriend has no income, the bank will not want to continue her mortgage. Discuss with the bank whether there is a possibility that you, for example, pay the monthly installments during a certain period. It may then be possible to continue living for a while without paying monthly installments. In the meantime you can look for other living space/rents. Do not simply give the house with a mortgage to the bank, but investigate whether a residual value remains after a sale. Do not leave that to the bank because it does not trade actively and often well below the actual value.
For help from the municipality, it is indeed best to inquire with the amphur.
Chris,
she was employed and the insurance you are talking about is the one i arranged and costs not 800 but 451 Bsht per month
soi,
we live in Phuket and her house is in Samuth Prakhan,
is 60% paid off and paid for by me for the last 1 1/2 years
thanks for the info, we will go to SP as soon as possible to put the house up for sale
Hans
Dear Hans,
You don't say what her job was and that's important.
If she was employed, she would no doubt be covered by Social Security.
You can extend this at your own expense when you no longer have work. I estimate costs at 800 Baht per month.
Good info Chris. But I read in the first paragraph of the posting that Hans has already arranged that.
Jos
Next year, or earlier, the insurance will adjust the policy with existing illnesses.
SS she must have, she had/can she extend within 6 months after stopping work and also collect the provident fund
Martin, thanks for this additional useful information.
Dear Hans,
We are sorry to hear that your partner has developed dementia. Sad to say goodbye to each other in this, more difficult way in the coming years.
I read about a documentary Mother, by Kristof. This is not necessarily just about dementia, but also about the caretakers around it in Thailand. I haven't seen it myself, so I'm not sure if I should recommend it to you. Anyway, I'll write down the following link: https://weliswaar.be/ouderen/thaise-dementiezorg-kan-een-voorbeeld-voor-ons-zijn
I wish you both much love and bright moments.
This may be the same documentary (care home) and is about Western people, but Thai people are undoubtedly also included in the community, I would think. https://youtu.be/i7yeiO-UZoM